Bhamashah Yojana - Empowering Women through Financial Inclusion and Direct Benefits

Certain things impact an individual’s whole life in a matter of seconds and one of those things is health. Taking care of one’s physical and psychological health is imperative to lead a successful and peaceful life. This is where the Bhamashah Swasthya Bima Yojana comes into existence.

In a densely populated country like India, it is crucial to ensure that every individual has access to quality healthcare systems and timely aid, especially to those who come from vulnerable sections of society. The government of Rajasthan launched the Bhamashah Swasthya Bima Yojana (BSBY), a government insurance scheme designed to address the existing gap between people and inaccessibility to proper healthcare systems when needed.

What Is Bhamashah Swasthya Bima Yojana?

The Bhamashah Swasthya Bima Yojana (BSBY) is a health insurance scheme launched by the state government of Rajasthan in 2015 to provide health coverage to people from economically weaker sections of society. The BSBY scheme covers both primary and secondary healthcare treatments and a wide range of medical services for people and their families. Beneficiaries are provided with cashless treatment in both public and private registered hospitals and hence, allow people to afford quality healthcare services.

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Features

The Bhamashah Swasthya Bima Yojana was named after a legendary historical figure called Bhamashah known for his philanthropy and support to the underprivileged sections of society. The primary objective of the state government scheme is to provide cashless medical aid to people from Rajasthan who come from the vulnerable sections of society. Some key features of the govt scheme are:

• Bearable amount: BSBY provides monetary coverage of Rs. 30,000 per year for general illnesses and Rs. 3 lakhs per year for serious illnesses that may require specialised treatment methods.

• Coverage provided under the scheme: More than 1400 medical and surgical procedures such as cardiology, oncology, neurology, and others are covered under the BSBY. The Yojana covers both, public and private sector hospitals.

• Cashless Treatment: Under this Sarkari Yojana, people can avail the healthcare services without having to pay immediately during hospitalisation. The government ensures direct settlement with the hospitals through this govt scheme so that it doesn’t burden the families.

• Network of hospitals: BSBY works in collaboration with numerous hospitals situated across the state of Rajasthan, both public and private so that people can have access to hospitals wherever they might be at the time of emergencies.

• Promoting inclusivity: The govt scheme serves as a reminder that every life has the same value no matter their financial or caste background as the scheme is specially designed to provide medical aid to people who fall below the poverty line (BPL) or who come from the economically weaker sections of the society.

• Health camps: To spread the word about the scheme, the government also organises regular health camps and outreach programs so that more and more people can avail of its benefits.

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Eligibility Criteria

The eligibility criteria for the Bhamashah Swasthya Bima Yojana are mentioned below. Make sure that an applicant falls under the criteria before proceeding towards applications.

• The applicants should be from the state of Rajasthan.

• The applicants should fall below the poverty line and also those who identify under the Socio-Economic Caste Census as they are recognised as they are from the economically weaker sections of society.

• Vulnerable groups of people such as widows, disabled individuals, and other socially disadvantaged people can also apply for the scheme

• Some government employees who fall into the low-income categories are also eligible to apply for the scheme.

• Families who receive subsidies on food under the National Food Security Act (NFSA) are also eligible.

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Application Process

The process of applying to BSBY is simple. Mentioned below are the simple step-by-step guidelines for the application procedure.

1. Bhamashah Card

• Firstly, the applicant is required to obtain a Bhamashah card which is provided by the local Common Service Centers (CSC) or designated enrollment centres.

• Applicants are required to submit relevant documents such as identity proof, proof of residency, and others. The card is issued to the female heads of the family which promotes women's empowerment too.

2. Registering for the Scheme

• Families who obtain the Bhamashah card are automatically eligible to enrol in BSBY. The government uses the 2011 data from SECC and other databases to identify eligible beneficiaries.

• People aren’t required to fill out a separate form as the scheme’s benefits are automatically linked with the Bhamashah card.

3. Availing the benefits of the scheme

• To avail of the benefits provided under the scheme, beneficiaries need to visit any hospital in Rajasthan and present their Bhamashah card for verification.

• The hospital verifies the details, provides immediate treatment, and then later claims reimbursement from the associated insurance provider.

Read More: What Are Priority Households? And What To Know About It?

Documents Required

Certain documents are required to apply for BSBY and reap the benefits of the govt. Scheme. Those key documents are:

• Aadhaar card

• Ration card

• Residence proof

• Bank account details

• Medical records

• Income certificate

What Is A Bhamashah Card?

The Bhamashah card is a biometric-based multipurpose card issued under the Bhamashah scheme by the state government of Rajasthan. The card is issued primarily to the women heads of households and is linked to their bank account and Aadhaar number so that people can access several benefits provided by the government like monetary transfers and health insurance under BSBY.

How To Download Bhamashah Card?

To download the Bhamashah card, please follow the below-mentioned steps for a simplified and easy procedure.

• Step 1: Please visit the official website of the Bhamashah portal.

• Step 2: Navigate to the ‘download card’ option.

• Step 3: Fill in your Bhamashah ID or Aadhaar number.

• Step 4: Download the Bhamashah card in PDF format.

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Updating Bhamashah Card With Bank Account

To update your Bhamashah card with your bank account details, please follow the below-mentioned steps:

• Step 1: Visit the nearest eMitra centre.

• Step 2: Provide necessary documents like the Bhamashah card, Aadhaar card, and bank passbook.

• Step 3: Fill in the form for updates in the linked bank account details and submit it with the documents.

• Step 4: The centre will verify the details and make the requested changes accordingly.

Eligibility For Bhamashah Card

To apply for the Bhamashah card, people need to ensure their eligibility. The eligibility criteria are as follows:

• It is specifically for the women heads of households.

• Applicants must be permanent residents of the state of Rajasthan.

• Families should be from the economically weaker sections of the society.

Activation Process For Bhamashah Card

To activate the Bhamashah card, please follow the below-mentioned steps:

• Step 1: Visit the nearest eMitra centre.

• Step 2: Provide necessary documents like an Aadhaar card, proof of address, and bank account details.

• Step 3: Provide biometric data such as fingerprints and iris scans for authentication.

• Step 4: Fill in the enrolment form and submit it with the documents.

• Step 5: After successful enrolment and verification, the card will be activated and you’ll be notified through SMS or mail.

Claim Procedure For Bhamashah Swasthya Bima Yojana

To claim the monetary benefits of BSBY, please follow the below-mentioned steps:

• Step 1: Visit the concerned hospital where the treatment is going on.

• Step 2: Show your Bhamashah card at the hospital’s helpdesk for verification.

• Step 3: The hospital will verify your details and eligibility for cashless treatment.

• Step 4: The hospital will submit the claim request to the insurance provider for authorisation.

• Step 5: Once the claim is authorised, people can enjoy cashless treatments.

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Conclusion

The Bhamashah Swasthya Bima Yojana is an important step taken by the government of Rajasthan and ensures that the underprivileged sections of society receive the same care and treatment as others.

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